1. Insurance Source Book for Advisors
April 2013
Level Premium Term
Shown above are the male and female rates per $1,000,000 of insurance for 10, 15, 20 and 30 year Level Premium Term coverage. * OP Term Level Premium Life, Policy Form #RT-97 for example as issued by Banner Life. Annual premium frequency shown. Rates shown for sample ages at issue are guaranteed, and based on Select Preferred Non-Smoking Underwriting Classification, as of January The Term Life Insurance will expire at the end of the initial term selected, at which time it may be renewed at then applicable premium rates. Monthly rates apply to Electronic Fund Transfer payments directly from your bank account only (if applicable). Eligibility for coverage is subject to underwriting requirements. Rates for other ages, face amounts and other underwriting classes are also available
The table on the far right illustrates the cost for a 2nd to Die level term insurance product that guarantees a death benefit for a specified period of time, i.e., a 10 year or 20 year period of time – the policy pays the death benefit upon the death of the second of the two insureds. This product would be useful for a client who needs estate liquidity, wealth transfer, equality among children, or special needs planning, but is not able to put permanent insurance in place at the current time. This is a temporary fix to the issue.
© AIA, LLC
David E. Appel CLU, ChFC, AEP® Suite 305, One Gateway Center, Newton, MA (617)

2. Insurance Source Book for Advisor Insurance Source Book for Advisor
by Appel Insurance Advisors, LLC
Insurance Source Book for Advisor
April 2013
Insurance Source Book for Advisor
January 2011
The two tables above and to the left show policies that provide a LIFETIME GUARANTEED death value for the insured. The premiums shown are guaranteed, as are the number of premium payments. For example, $1,000,000 of permanent life insurance for a Male age 45, would have an annual premium of $6,280 payable for his lifetime, $9,715 payable for 20 years or $137,731 as a one-time premium. The same concept applies to female rates. *Protector UL Universal Life, Policy Form #ULNT-2005 for example as issued by Prudential Life. Annual premium frequency shown. Rates shown for sample ages at issue are guaranteed, and based on Select Preferred Non-Smoking Underwriting Classification, as of April The Universal Life Insurance are structured as lifetime guarantees. Monthly rates apply to Electronic Fund Transfer payments directly from your bank account only (if applicable). Eligibility for coverage is subject to underwriting requirements. Rates for other ages, face amounts and other underwriting classes are also available. Guarantees are based on the financial strength and claims paying ability of the issuing insurance company.
© AIA, LLC
David E. Appel CLU, ChFC, AEP® Suite 305, One Gateway Center, Newton, MA (617)